Money & Insurance > Stories

Home insurer overcharging widow for years. Don't let it happen to you

Nic McBride

Nic McBride
Nov 29, 2017

An 89-year-old widow had been overcharged for years by her home insurer.

After more than seven years with the same insurer, Joyce Kemp, of Portsmouth, could have overpaid by more than £1000.

It wasn't until her step-daughter compared prices that they realised she was paying an extra £400 per year.


Home silhouette

Joyce was paying £700 per year for buildings and contents insurance on her two-bedroom terraced house.

She ended up getting a deal for £300 with Nationwide.

Her step-daughter Mitzie Kemp, also from Portsmouth, said her step-mum had not realised what she was paying for on her insurance.

"She just carried on paying it for all those years. She had no idea, she just paid it every month.

"It was just one of those things she had not looked into."

Joyce, middle, with her family.

Mitzie said her dad set up the insurance - but he died seven years ago.

Her step-mum only recently suspected the premium was too high after she was charged for a callout to fix a leak. She had thought her insurance would cover it.

Mitzie was angry that her step-mum could have been paying over the odds for so many years.

Her step-mother did not have a computer to make price comparisons herself.

Mitzie checked the price and realised how much her step-mother was being overcharged.

"I could not believe it when I saw it."


Home silhouette

She urged others to check and make sure they or their parents were not being overcharged too.

"It is not just older people. There are younger people that don't really look at their finances. They just pay it."


Elderly being regularly overcharged 

But Mitzie's step-mother is unfortunately not the only elderly customer paying far more than she should.

Elderly people are routinely overcharged by around £110 a year on average for home insurance, new research shows.

Polling carried out by Citizens’ Advice shows that the elderly are most at risk of being ripped off by home insurance companies.

We have been highlighting this for years – the elderly are far less likely to shop around when it comes to renewing their home insurance policy.

In fact, 40% of people over 65 have had the same home insurance policy for more than five years.

That means they could be paying 70% more than a new customer for the same policy.

When did you last switch your home insurance provider?

We compare prices from the big brands, so you save money